You need to have 1 open and active credit account for 6 months before a score can be generated. The credit account could be a credit card or installment loan.
It can be difficult to get your first credit card so a lot of people start with a secured credit card as their first account.
Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
